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12460 Amber Cir NW
D- Composite 37.39
Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +9.0/30.0
  • ARV discount +7.5/15.0
  • Schools +7.0/10.0
  • Livability +3.9/5.0
  • 1% rule +2.5/10.0
  • DSCR +2.5/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$279,900

12460 Amber Cir NW · Uniontown, OH 44685
4 bd · 1.5 ba · 1,144 sqft · SingleFamily public records · 23 Days on market
Built 1969 0.38 ac lot

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Nicely updated one owner split level on corner lot in a quiet neighborhood and located in Lake Local School District. This lovely family home is in move-in condition with major updates including new roof (2017), central air (2015), granite counter tops in kitchen, and new main bathroom. Freshly painted with hardwood floor through-out. Immediate​​‌​​​​‌​​‌‌​‌‌​​​‌‌​​‌​​​‌‌​​‌​ Possession.

Key facts

  • Updated kitchen
  • Granite countertops
  • Patio

Tags

CORNER LOTUPDATED KITCHENGRANITE COUNTERTOPSFIREPLACEPATIOFENCED REAR YARD

Property features AI

Finance

  • Financial info: Annual taxes listed (2025)

Exterior

  • Parking: Two-car garage
  • Utilities: Public water; Septic tank
  • Home design: Brick and vinyl siding construction
  • Construction: Asphalt roof; Year built recorded in public records
  • Exterior features: Fenced yard; Paved parking area

Interior

  • Bathrooms: One full bathroom; One half bathroom
  • Heating & cooling: Forced air heating (gas); Central air conditioning
  • Interior features: Partial basement; One fireplace

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/1.5-bath single-family listed at $280k.

Deal economics

  • At list price, monthly cash flow is $-219 ($-3k/yr) — negative.
  • To cash-flow at today's rent, offer at most $241k (13.8% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $209k (25.4% below list).
  • Recommended offer: $209k (25.4% below list) — sets the bar for 1% rule.
  • Cap rate 5.4% vs local median 3.0% in Uniontown — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 78/100 on livability (#176 in OH, #2,742 nationally) — a middle-class / working-renter tenant base. Strengths: schools A+, employment A+, cost of living A+; Watch: amenities F, commute F, health & safety F.
  • Lake Local (suburban): math 80% / reading 82% proficiency, ranked #47 of 656 in OH (top 7%) — strong family-tenant draw, lease renewals of 3-5y typical; only 18% free/reduced lunch — higher-income household profile.
  • Market conditions: 182 active listings in the ZIP; solid renter incomes; 528 units permitted in Stark County in 2024 (84 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
  • Stark County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

  • It's been on market 23 days — a 2% lower offer ($276k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 8y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
  • Current owner paid $145k; list at $280k implies a 93% gain — meaningful room to come down on a strong offer.
Recommended offer $208,834 (25.4% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. Built in 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
  5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
0.75%
Cap rate
5.35%
Cash-on-cash
-3.35%
DSCR
0.85
GRM
11.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
-21.9%
Equity multiple
0.24×
Total profit
$-59,300
Equity at exit
$41,734
10-year hold
IRR
-15.8%
Equity multiple
0.11×
Total profit
$-69,617
Equity at exit
$24,201

Cash invested: $78,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
73 Landlord-Friendly
State Ohio
73 Landlord-Friendly · R+6
County
— inherits STATE
City
— inherits STATE
3-day notice; Cleveland / Columbus have some habitability code enforcement; otherwise landlord-leaning.

ZIP-level market 44685

Active inventory
182
Price-to-rent
11.2×

Monthly cashflow live

Estimated rent
$2,088 medium interval (Pro) →
Mortgage (P&I)
$1,468
Tax from tax record
$284 /mo · $3,410/yr
Insurance
$117
HOA
$0
Vacancy / Maint / Mgmt
$439
Net cashflow
$-219

Break-even live

Break-even rent $2,365
Max offer price $241,249
Occupancy floor

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$69,975
Closing costs
$8,397
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 21 events

  1. 2026-06-13
    statusdays on market $279,900 Pending 23 DOM
  2. 2026-06-10
    days on market $279,900 Active 21 DOM
  3. 2026-06-09
    days on market $279,900 Active 20 DOM
  4. 2026-06-08
    days on market $279,900 Active 19 DOM
  5. 2026-06-07
    days on market $279,900 Active 18 DOM
  6. 2026-06-05
    days on market $279,900 Active 15 DOM
  7. 2026-06-02
    days on market $279,900 Active 13 DOM
  8. 2026-06-01
    days on market $279,900 Active 12 DOM
  9. 2026-05-31
    days on market $279,900 Active 11 DOM
  10. 2026-05-30
    days on market $279,900 Active 10 DOM
  11. 2026-05-20
    listed $279,900 Active
  12. 2018-12-20
    soldstatus $145,000 Sold 450-char remark
    Show marketing remark (450 chars)

    Nicely updated one owner split level on corner lot in a quiet neighborhood and located in Lake Local School District. This lovely family home is in move-in condition with major updates including new roof (2017), central air (2015), granite counter tops in kitchen, and new main bathroom. Freshly painted with hardwood floor through-out. Immediate​​‌​​​​‌​​‌‌​‌‌​​​‌‌​​‌​​​‌‌​​‌​ Possession.

  13. 2018-12-20
    soldstatus $145,000
    Show marketing remark (450 chars)

    Nicely updated one owner split level on corner lot in a quiet neighborhood and located in Lake Local School District. This lovely family home is in move-in condition with major updates including new roof (2017), central air (2015), granite counter tops in kitchen, and new main bathroom. Freshly painted with hardwood floor through-out. Immediate​​‌​​​​‌​​‌‌​‌‌​​​‌‌​​‌​​​‌‌​​‌​ Possession.

  14. 2018-12-18
    status Pending 450-char remark
    Show marketing remark (450 chars)

    Nicely updated one owner split level on corner lot in a quiet neighborhood and located in Lake Local School District. This lovely family home is in move-in condition with major updates including new roof (2017), central air (2015), granite counter tops in kitchen, and new main bathroom. Freshly painted with hardwood floor through-out. Immediate​​‌​​​​‌​​‌‌​‌‌​​​‌‌​​‌​​​‌‌​​‌​ Possession.

  15. 2018-11-20
    historical Contingent 450-char remark
    Show marketing remark (450 chars)

    Nicely updated one owner split level on corner lot in a quiet neighborhood and located in Lake Local School District. This lovely family home is in move-in condition with major updates including new roof (2017), central air (2015), granite counter tops in kitchen, and new main bathroom. Freshly painted with hardwood floor through-out. Immediate​​‌​​​​‌​​‌‌​‌‌​​​‌‌​​‌​​​‌‌​​‌​ Possession.

  16. 2018-11-13
    listed $147,900 Active 450-char remark
    Show marketing remark (450 chars)

    Nicely updated one owner split level on corner lot in a quiet neighborhood and located in Lake Local School District. This lovely family home is in move-in condition with major updates including new roof (2017), central air (2015), granite counter tops in kitchen, and new main bathroom. Freshly painted with hardwood floor through-out. Immediate​​‌​​​​‌​​‌‌​‌‌​​​‌‌​​‌​​​‌‌​​‌​ Possession.

  17. 2018-11-12
    historical
  18. 2018-10-19
    price $149,900
  19. 2018-09-14
    price $155,000
  20. 2018-09-05
    price $158,900
  21. 2018-08-07
    listed $162,900 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast OH · Partial reset (capped growth)

Current annual tax
$3,410 · $284/mo
Projected year-2 tax
$3,888 · $324/mo
Expected delta
+$478/yr (+$40/mo · 14.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 3/10 Moderate 7 d/yr ≥97°F today · 17 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$25,060
− Mortgage interest
−$15,679
− Property taxes
−$3,410
− Insurance
−$1,400
− Repairs & maintenance
−$2,005
− Management
−$2,005
− Depreciation
−$8,143
Taxable loss
−$7,580
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,819
After-tax cash flow
$-806/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
Lake Local
NCES district ID
3904986
Math proficiency
80% ▼ -5.00%
Reading proficiency
82% ▼ -2.00%
Median HH income
$64,720
Composite
69.89/100
National rank
#288
State rank
#47 of 656 in OH

Livability — Uniontown

Score
78/100
State rank
#176
US rank
#2742

Category grades

Amenities F Commute F Cost of living A+ Crime A Employment A+ Housing A+ Health & safety F User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Uniontown, OH
County
Summit County · 440,783 people
City population
28,794
Metro
Akron, OH
Population (ZIP)
28,794
Household income
$102,773
Rent vs Own
17.7% rent · 82.3% own
Severe rent burden
403.0

Population outlook (Stark County) Hauer SSP2

Today (2025)
373,708 people
By 2030
371,245 · -0.7%
By 2040
361,331 · -3.3%
By 2050
345,290 · -7.6%
By 2075
302,669 · -19.0%
By 2100
238,870 · -36.1%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (93%)
Race & ethnicity
White 93% Two or more races 3% Hispanic / Latino 2% Asian 2% Black 1%
Common ancestry
Romanian 2% Lithuanian 2% Slovak 2%
Foreign-born
2% · Canada, China, South Korea
Languages at home
97% English-only · Russian/Polish/Slavic 1% Spanish 1%

Political lean MEDSL · Stark

2024 margin
Strong R (+21.9) · D 38.6% · R 60.5%
2008→2024 swing
-27.4pp toward R · 2008: 5.5pp · 2024: -21.9pp
All cycles
2024: R+21.9 2020: R+18.5 2016: R+17.4 2012: R+0.4 2008: D+5.5

Not yet ingested

Civics

Market trends

HPI YoY
▼ -197.59%
Current HPI
217.2906
Rent YoY
Metro
Akron, OH
State GDP YoY
▲ 1.98%
F500 in state
48

Industry mix (Fortune 500 HQ in OH)

Industry F500 HQs Revenue

Price history

+71.8% since first listed
11 events — show timeline
  • 2026-05-20 Listed $279,900 MLSNOW
  • 2018-12-20 Sold (Public Records) $145,000 Public Records
  • 2018-12-20 Sold (MLS) $145,000 MLSNOW
  • 2018-12-18 Pending MLSNOW
  • 2018-11-20 Contingent MLSNOW
  • 2018-11-13 Listed $147,900 MLSNOW
  • 2018-11-12 Listing Removed MLSNOW
  • 2018-10-19 Price Changed $149,900 MLSNOW
  • 2018-09-14 Price Changed $155,000 MLSNOW
  • 2018-09-05 Price Changed $158,900 MLSNOW
  • 2018-08-07 Listed $162,900 MLSNOW

Property tax history

+6.3%/yr

Latest (2024): $3,410 · +18.0% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…